 Well, for most people, and I have to say most because I've had some people call in before and say, I didn't have to do that because I was still employed and blah, blah, blah, and I had this. Great, okay. For a large number of Americans at age 65, you enroll for Medicare three months before you turn 65. And if your current financial provider does not help you find the best Medicare solutions for you, you're probably not with the right firm. Just telling you that up front.